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.3 EXCESS LIABILITY AND/OR UMBRELLA LIABILITY applicable to Commercial General and Automobile Liability policies. The Excess Liability and/or Umbrella Liability coverage limits applicable shall be the greater of the amounts indicated below or the amounts carried by the Vendor: Each Occurrence $1,000,000 Aggregate $1,000,000 See Section 2.1(b) above for additional insured requirements applicable to the Excess Liability and/or Umbrella Liability insurance. 4. WORKERS COMPENSATION AND EMPLOYER’S LIABILITY INSURANCE Coverage as required by New York State statutory limits. Coverage shall include a waiver of subrogation in favor of the Town of Hamburg. 5. NEW YORK DISABILITY (NYDBL) Coverage as required by New York State statutory limits. 25